Date Received: 2022-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: From : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MI XXXX XXXX, Email- XXXX To : XXXX XXXX Fraud dept. of Comerica Bank RE : Scam of account XXXX XXXX XXXX XXXX XXXXXXXX. Dear XXXX XXXX Report Online Scams My points regarding procedure during this wire transfer : 1. At the time of wire transaction ( XX/XX/XXXX ) Bank seen that amounts on both account ( XXXX and XXXX ) looks almost similar and didnt paid attention why it is. 2. If wire transfer looks suspicious, typically bank must to ask me the questions regarding this wire, how I know recipient. A while ago, I explained and show a proof how I know about recipient. This time bank didnt ask my any questions just sent wire transfer. That is not secure. 3. The same day ( after XXXX. Scammer phone was no longer in service. I understood that was fraud. Wire transfer and transfer between my XXXX accounts have status pending and can to change and cancel these frauds transactions. 4. Next day I came bank and report fraud, it mean that bank has power to cancel the fraud transaction. I dont know why bank didnt recall that right away. Case filed only in few days later. It was to late. 5. Any transaction such as transaction between my accounts, usually, need to alert and my permission. 1. On XX/XX/2022 at the morning, I suddenly discovered that account XXXX of y charitable company " XXXX XXXX XXXX '' was charged by an unauthorized amount {$290.00} 2. I even didnt suspect that it was the hackers who charge me and that they are already penetrating into my web banking accounts Comerica Bank system thru my computer. 3. Now, I understood that they, after review my computer system, found out that one of my company accounts ( XXXX ) has the amount ~ {$34000.00}. 4. I had their phone number XXXX belong hackers. I call them and asked refund an unauthorized charge. They promised to return it to company to account XXXX. 5. Shortly, on the account XXXX appeared the amount of {$29000.00}. The account XXXX didnt change ( show same {$34000.00} ). 6. I, like an honest person, called them again and said about error of refund on account XXXX. 7. They said thank you and calculated difference and sent me information where I have to return the difference ( see attached ). 8. Then they figure up an amount should be to return as {$29000.00} In this case must be left correct fund {$290.00}. They gave me information of the Bank, where the difference ( {$29000.00} ) should be return. And the error will be corrected XXXX. I came to the bank on and the Clerk and I saw the amount in the account XXXX about {$30000.00}, and the account XXXX remains the amount of {$34000.00}. 10. I think that if the clerk of Comerica bank and me didnt see those amounts on the both accounts of the company, he and I didnt transferred {$29000.00} from account XXXX. 11. At end of this day ( after XXXX pm ) on XXXX banking appeared two items with status pending. One pending transaction showed transfer amount {$29000.00} from account XXXX into account XXXX, second pending transaction to account XXXX an amount of {$29000.00} showed transfer an amount that was made in the bank. 12. Unfortunately, it was too late to understand that it was hackers and it was too late fix this situation to cancel transactions because customer service of Comerica bank was closed. I was shocked and stressed. I didnt sleep all the night. 13. during night all pending transactions became real transactions and on an account XXXX left over only difference between old amount and {$29000.00}. And XXXX show only {$4000.00}. 14. Next day I called many times by the phone XXXXThey answer me by text messages ( see attached copy ) Yes absolutely it will be fixed tomorrow and The transaction has been reverted ; your account will have the money back between 24-48 hours Finally, at last call I got message phone no longer in service. It means that hackers switched XXXX XXXX. 15. I was shocked and immediately ran to the bank to report about fraud.do. The bank made call to Fraud department of Comerica bank and report about above fraud and scam. I spook with XXXX XXXX from Comerica fraud dept. and explained him my situation. 16. I trusted that Comerica Web Banking system is secure and could not even imagine that it can be happen. 17. Terrible Hackers attack to Web Banking Comerica system! I immediately vent to XXXX XXXX to clean my computer and install protection program. Typical it was case of fishing - How the Hackers attacked Comerica Banking system using my computer. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Attachment text messages between me and hackers Screen shot from my cell phone : Copy of instruction given hackers where to be send extra money.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I need to speak to you XXXX. the company of direct express has caused me XXXX XXXX XXXX every month to verify my account I int with no cellular phone now becoming homeless it's all their problem from not sending me my card but to cancel my account hospitalized from loss after loss pain n suffering my experience was not acceptable XXXX there must be a XXXX times no money sent bk to me the cardholder no availability to receive missing XXXX XXXX at a time disputes nor are repayed no XXXX money paid put my funds on my card I will have my lawyer contact u hundred of time
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: - Received mailings about open account in my name from Comerica Bank - Called Comerica Bank and they said they would close the account - Comerica Bank rep also asked I contact FTC about this fraud - Comerica Bank rep also asked I contact credit bureau about this fraud - Comerica Bank rep also asked I contact XXXX to report this fraud
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, I sent a XXXX XXXX to an associate named XXXX. XXXX failed despite my having had sufficient funds in the XXXX XXXX. XXXX informed me money did not go through. The XXXX XXXX system became jammed where I could not get any of my money. I waited for Direct Express who handles my XXXX XXXX to take corrective action after I spoke to them. However, to this day, XX/XX/2022, I have yet to receive my money. Again, today, I spoke to a customer care representative at Direct Express who said that Direct Express does not accept third party deposits, and especially more than {$50.00} daily. He continued saying that my balance had been reduced to {$22.00}. My XXXX check that was XXXX to Direct Express in the amount of {$800.00} has disappeared without a trace in doing business to Direct Express and XXXX XXXX
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Went to XXXX XXXX XXXX on XX/XX/XXXX to get my Social Security benefits put my card in direct express card put in my pan put in the amount {$1000.00} please continue ATM says transaction declined then I trued it again but to check the balance check it said {$47.00} but I never received {$1000.00} I was trying to withdraw so I went inside the XXXX XXXX XXXX explain what happened and the lady told me that they serviced the machine the following day to come back tomorrow but when the ATM machine doesnt dispense the money it goes back on the card that you were using which was my direct express card so I then called Direct Express filed a dispute they offered to give me a loan for the {$1000.00} that did not come out the teller so on XX/XX/XXXX I received a letter saying loan was approved so I went and got the money that DirectExpress lown me off the cardI went back to bank and asked XXXX XXXX XXXX had they heard from Direct Express they told me no they still have not heard from them then on XX/XX/XXXX I went and got my benefits normally off my direct express XXXX with no problem on XX/XX/XXXX I received a letter in the mail telling me that my benefits would be taken on XX/XX/XXXX because it was my error and I received the funds on XX/XX/XXXX but I never received anything except for the XXXX dollar loan that they loaned me on XX/XX/XXXX I have put in several disputes I have called several times Ive been calling since XX/XX/XXXX now Ive been calling about my XX/XX/XXXX benefits theyre not trying to help me theyre telling me that I got the benefits I never received anything and they know that benefits went back on the card on XXXX first so then instead of helping me they had me to put in an escalation and they gave me a number to the exclamation of XXXX then theytell me that they are going to cancel that card and Ill get a new one in 3 to 5 days I will be getting paperwork in the mail to show how they completed the investigation I went back to be a day spoke to the same customer service representative at XXXX XXXX XXXX and she said DirectExpress still have not heard anything from Direct Express so I called back on Tuesday, XX/XX/XXXX Im talking to Direct Express Im trying to find out have they figured out where my money went on XX/XX/XXXX because they have now taking my check for XX/XX/XXXX I have an online account so that I can see where my benefits are and where theyre going Im looking at it while Im speaking to the DirectExpress customer service representative and Im telling her how someone is using that card right now at a XXXX in XXXX XXXX and Im in XXXX XXXX California and I havent been out my house that day I told her lets stop it its saying pending she said all welljust idispute on that to this she says Im gon na cancel that card and send you a new one youll it in 3 to 5 business days thats about all I can help you with now maam because you already have an exclation in and it is a dispute then she tells me to call them back in three days which would be today XX/XX/XXXX Thursday but because she canceled that card XXXX cant even get through to speak to anybody because when I put that card number and my social it says that card doesnt exist I will be getting put out of my house on Tuesday because I never paid my rent for XXXX I paid it for XXXX and now Im not able to pay for XXXX I do not understand what is going on I am calling every number that I can fine please help me my telephone number is XXXX and my email is XXXX please call me or email me or text me to let me know something about my benefits please thank you and I look forward to hearing from you soon
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking account was opened in my name with Comerica Bank. I received a welcome package with starter checks. I called Comerica, spoke with the fraud dept. and they closed the account.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Problem adding money
Subissue:
Consumer Complaint: I receive monthly XXXX payments via Direct Express and I pay my bills by transferring funds from Direct Express to my XXXX because some of my debtors require banking routing and account numbers for payments. When Direct Express denies the transfer, I can NEVER contact them to rectify the situation, which causes problems for me. They are never available for calls, I always get a " Try again later '' automated response.
Company Response:
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: MY ID & SS CARD WAS STOLEN OUT OF MY WALLET OVER XXXX MONTHS AGO & I HADNT GOTTEN MY XXXX CHECK {$790.00} A MONTH. I JUST STARTED GETTING MY CHECK OF {$840.00} IN XXXX. THE GUY WHO STOLE MY DOCUMENTS CHANGED ALL MY IDENTIFICATION ON LINE WITH DIRECT EXPRESS, WHO HANDLES SS CHECKS. THE GUY ORDERED XXXX DIFFERENT CARDS A MONTH. EVERYTIME I ORDERED A CARD, XXXX WAS ORDERED AND THEY ACCESS MY XXXX CHECK FOR THOSE XXXX MONTHS. I WENT TO THE POLICE STATION AND FILE A REPORT IN XX/XX/XXXX. I DIDNT KNOW ANYTHING ABOUT HOW TO GO ABOUT GETTING MY MONEY TIL I TOLD MY BROTHER, HE, HIS WIFE & NEPHEW HAS BEEN HELPING ME WITH EMAIL, GETTING DOCUMENTS, FAXING DOCUMENTS, OVERNIGHTING DOCUMENTS, AND LASTLY SENT A CERTIFIED WITH ALL THE DOCUMENTS. DIRECT EXPRESS SENT ME XXXX FRAUD PAPERS TO FILL OUT. THEY ALSO SENT THE TRANSACTIONS FOR THE DIFFERENT FRAUD CASES. I EVEN HAD A CASE NUMBER. DIRECT EXPRESS WAS REFUNDING ME OF XX/XX/XXXX, XXXX XXXX OF {$3500.00}. I CALLED DIRECT EXPRESS TO GET A NEW CARD BECAUSE THE GUY HAD ORDERED ANOTHER CARD, WHILE ON THE PHONE PLEADING WITH DIRECT EXPRESS PLEASE DONT LET THEM TAKE MY MONEY, WE WATCHED THE {$3500.00} SHRINK TO {$60.00}. THESE PEOPLE PUT A DOWNPAYMENT ON A CAR, PUT AN ALARM ON THEIR HOME, GOT THEIR CAR TAG, PAID UTILITIES, CELL PHONE, SENT MONEY TO XXXX CORRECTION FACILITIES AND A WHOLE HOST OF OTHER THINGS. I'VE BEEN LIVING WHEREVER I CAN SLEEP BUT MOSTLY ON THE STREETS OR ABANDONED CARS. DIRECT EXPRESS HAS HAD ME SEND ALL THIS PAPERWORK TO THEM AND SAID MY XXXX DAYS FOR THE INVESTIGATION EXPIRED ON XXXX, XXXX AND TO CALL THEN. THAT THEY WERE GOING TO PUT THE {$3500.00} ON A NEW CARD THEY WERE SENDING. I'VE GOTTEN XXXX CARDS IN A WEEK AND BOTH ARE INVALID. MY XXXX FRAUD CASE SAID IT WAS FOR XX/XX/XXXX AND THE AMOUNT WAS {$3000.00}. NOW EVRYTHING IS ON HOLD.ON SUNDAY XX/XX/XXXX, I WAS STRONGARMED BY THE MAN WHO GOT MY FIRST ID & SS CARD, FORCED ME OUT OF MY FRIEND 'S HOUSE, TOOK ME TO THE RIVER, TOOK MY NEW ID & SS CARD, MY MONEY, MY CELL PHONE. I WAS TOLD HE WANTS ME TO CHANGE MY PIN & GIVE IT TO HIM. I'M SCARED FOR MY LIFE BUT NOW I'M BACK WITH NO ID HAVING TO START ALL OVER FROM SCRATCH AGAIN. I CALLED THE POLICE & MADE A REPORT. THIS IS THE SAME MAN THAT STOLE MY ID & SS CARD THE XXXX TIME. NOW HE HAS AN UP TO DATE ID CARD BECAUSE I JUST GOT IT. I CALLED DIRECT EXPRESS AFTER TRYING TO ACCESS MY ONLINE ACCOUNT. THE PEOPLE HAVE ME LOCKED OUT AGAIN. THEY HAVE CHANGED MY USER NAME, EMAIL ADDRESS & MY BROTHER 'S NUMBER FOR DEPOSIT ALERTS & LOW BALANCE ALERTS. NOW THEY WILL GET THE ALERTS & ORDER ANOTHER CARD & TAKE MY MONEY A XXXX TIME. I CALLED DIRECT EXPRESS, STAYED ON THE PHONE AT LEAST XXXX HOURS. THEY WONT SEND INVESTIGATORS TO THE PEOPLE HOUSE OR THE POLICE. THEY KNOW WHO THEY ARE & KNOW WHAT THEY BEEN DOING TO ME. BUT I CANT GET ANYONE TO HELP ME. NOW DIRECT EXPRESS SAYS I HAVE TO GO TO SOCIAL SECURITY OFFICE & TELL THEM TO FAX BACK TO THEM A CONSENT BASED FORM & TO TELL THAT THAT I WANT TO DO A CONSENT BASED PROCESS THROUGH THE SOCIAL SECURITY OFFICE. BUT THESE PEOPLE HAVE ALL MY RECENT XXXX & IS GOING TO GET THE SECOND REFUND MONEY IF SOMEBODY DONT HELP ME. I'M GOING TO SOCIAL SECURITY TOMORROW TO TRY & GET THIS FORM SENT TO DIRECT EXPRESS. THEY TOLD ME THEY COULD NOT TRANSFER IT TO MY BANK ACCOUNT. THEY LIED! I WAS TOLD BECAUSE MY TIME LIMIT WAS XXXX DAYS, THAT I COULDNT GET THE WHOLE YEAR BACK. BUT I DIDNT KNOW HOW. I JUST WANT DIRECT EXPRESS TO DO THE RIGHT THING & REIMBURSE MY MONEY THATS BEING STOLEN. I NOW HAVE A BANK ACCOUNT, BUT DIRECT EXPRESS KEEPS SENDING THESE PEOPLE NEW CARDS & LETTING THEM ACCESS WHATEVER REIMBURSEMENT I MIGHT BE ENTITLED TO. PLEASE HELP ME.DIRECT EXPRESS IS FDIC INSURED SO WHY I CANT GET MY MONEY. I
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Comerica direct express fraud I called to dispute charges said I had 10 days to respond but they only sent a stop future payment letter and charges not reimburse causing me to lose rental.called back said they had to check serif dispute could be reopened pretty sure not first time fraud happened rarely can speak to person.
Company Response:
State: WA
Zip: 98221
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A